Restructuring Charges (Tables)

9 Months Ended

Sep. 30, 2016

Restructuring and Related Activities [Abstract]

Restructuring and Related Costs

The following table presents changes in restructuring reserves, cumulative charges incurred to date and total expected restructuring charges:

(in millions)	Employee Costs			Facilities Costs			Technology Costs		Other Costs			Total
Three Months Ended September 30, 2016
Balance at beginning of period	$	46		$	—		$	—	$	4		$	50
Restructuring charges	4			5			—		11			20
Payments	(12		)	(1		)	—		(8		)	(21		)
Adjustments for non-cash charges (a)	2			(4		)	—		—			(2		)
Balance at end of period	$	40		$	—		$	—	$	7		$	47
Nine Months Ended September 30, 2016
Balance at beginning of period	$	—		$	—		$	—	$	—		$	—
Restructuring charges	50			5			—		18			73
Payments	(12		)	(1		)	—		(11		)	(24		)
Adjustments for non-cash charges (a)	2			(4		)	—		—			(2		)
Balance at end of period	$	40		$	—		$	—	$	7		$	47
Total restructuring charges incurred to date	$	50		$	5		$	—	$	18		$	73
Total expected restructuring charges (b)	$65 - $70			$35 - $40			$10 - $15		$30 - $35			$140 - $160

(a) Adjustments for non-cash charges include the benefit from forfeitures of nonvested stock compensation in Employee Costs and accelerated depreciation expense in Facilities Costs.

(b) Restructuring activities are expected to be substantially completed by 12/31/2018.